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Car Insurance Quotes in San Francisco, CA May Someday be Based on Telematics

A couple of decades ago people found car insurance by going to their local insurance agency.  Most people found an insurance agent through word of mouth from their friends and family.  Today, car insurance has become less personal due to the Internet.  There are thousands of companies online to choose from, and you never have to talk to a person to do so.

Just as purchasing car insurance has changed, car insurance quotes in San Francisco, CA and other big cities are changing how they are calculated.  This new system is referred to as telematics insurance.  With the current system, you are charged for your auto insurance based on what statistics expect you to do – or the perceived risk.  With telematics, your premium will be based on what you actually do.

Telematics, sometimes referred to as black box insurance, is already popular in other countries.  It works through a small electronic box that is installed in your vehicle.  This device monitors different aspects of your driving habits such as distance, breaking, speed, and the time of day you drive the most.  After receiving this information, your insurance company will rate how you drive, and put it into a formula in order to calculate your premium.  The better the driver, the lower the insurance rate.

Most people have not heard of this type of insurance, but it is quickly increasing in popularity.  There are a few cars in other countries that are coming out with “black boxes” built in straight from the factory.  There are also more and more insurance comparison websites featuring telematics insurance in their comparison lists.

How much you save will obviously depend on how you drive, but many drivers save around 20% annually on their premiums.  There are also differences in how these policies affect you.  Most of the time, you purchase a policy based on the typical factors that go into calculating a premium.  Then, you install the device in your car.  After a certain interval of time, your driving habits are reviewed, and if you are a good driver you are either given a partial refund or a discount on your renewal premium.  Most of the current policies do not penalize you for bad driving, but there are some out there that do.

Although this type of insurance policy can help all drivers, it is very beneficial for younger drivers.  Young drivers often pay the most in car insurance costs because they are the least experienced age group, and are statistically the most likely to be involved in an accident.  Having a black box insurance policy can help these young drivers prove to their insurance companies that they make smart driving choices and are not risky to insure.

Car insurance quotes in San Francisco, CA are just one more expense that comes along with living in an expensive city.  By purchasing a black box insurance policy, you can purchase great insurance coverage and still save money.

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